How we Work

How does our credit repair agency work?

Credit repair agencies are companies that offer services to help individuals improve their credit scores and resolve credit-related issues. These agencies work by assisting clients in identifying and addressing inaccuracies, errors, and negative information on their credit reports. While credit repair agencies can be beneficial for some people, it’s essential to understand how they typically work:

  1. Free Consultation:
    • We offer a free inital credit consulation to access your credit situation. During this consulation, We may review the credit report and scores and identify potential areas for improvement.
  2. Credit Report Review:
    • The agency will obtain copies of the client’s credit reports from the major credit bureaus (Equifax, Experian, and TransUnion) and thoroughly review these reports for errors, inaccuracies, and negative items.
  3. Dispute Process:
    • If we identifies errors or inaccuracies on the client’s credit reports, We will initiate a dispute process. This involves contacting the credit bureaus to challenge the questionable information on behalf of the client.
  4. Communication with Creditors:
    • In addition to disputing items with the credit bureaus, credit repair agencies may also communicate with creditors and collection agencies to request validation of debts and negotiate settlements, pay-for-delete agreements, or other arrangements.
  5. Monitoring and Updates:
    • We will continue to monitor the client’s credit reports and provide updates on the progress of their efforts. Clients are typically informed of any changes or improvements in their credit profiles.
  6. Educational Resources:
    • We offer educational resources to help clients better understand credit and financial management. We may provide guidance on improving credit behaviors and maintaining a healthy credit profile.
  7. Legal Compliance:
    • Reputable credit repair agencies are required to comply with the Credit Repair Organizations Act (CROA), a federal law that governs the industry. This law sets rules and regulations to protect consumers from fraudulent and misleading practices.
  8. Fees:
    • We charge fees for our services, which can vary. We charge a monthly fee, which varies depending on services rendered. Be sure to understand the fee structure and pricing before signing up for our services.
  9. Results:
    • Credit repair is not guaranteed to remove accurate negative information from a credit report. We can only work to correct inaccuracies and errors. Negative items that are accurate and timely will generally remain on the credit report for a specified period (e.g., seven years for most negative items).
  10. We offer you a free inital consulation to access the your credit situtation. During this consulation, we may review your credit report, and scroes to identify potential area for improvement, and go over it with you.

It’s important to exercise caution when considering a credit repair agency, as there are both reputable and less reputable companies in the industry. Here are some tips to consider:

  • Research the agency: Check their reputation, reviews, and ratings with organizations like the Better Business Bureau.
  • Understand the cost: Ensure you understand the fees and what services are included.
  • Be aware of guarantees: Legitimate agencies will not guarantee specific results, as they cannot remove accurate negative items from your credit report.
  • Avoid upfront payments: Be cautious of agencies that require large upfront payments before performing any work.